| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE CENTERS INC.3 | PO BOX 206 BRUCETON MILLS, WV 26525 | UNITED STATES FIRE INSURANCE COMPANY | $30K | — | $30K | 14.12% |
| STEPHEN M HODGSON3 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| STEPHEM M HODGSON3 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| INSURANCE CENTERS INC.3 | 102 VENTURE DRIVE MORGANTOWN, WV 26508 | VISION SERVICE PLAN | $745 | — | $745 | 7.53% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE EMPLOYEE BENEFIT SERVICE CENTER CLAIMS PROCESSOR | Other fees; Claims processing; Insurance agents and brokers; Other commissions; Consulting (general) Service code 12 | 4430 KANAWHA TURNPIKE SOUTH CHARLESTON, WV 25309 | $49K |
| S&S HEALTHCARE CLAIMS PROCESSOR | Other fees; Other commissions; Insurance agents and brokers; Consulting (general); Claims processing Service code 12 | 1385 KEMPER MEADOW DRIVE CINCINNATI, OH 45240 | $23K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 173 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 93 | $10K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $63K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 73 | $30K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $26K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 173 | $216K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 139 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.